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#just a little bit more... with this money and the 150 euros we have saved up we can get a decent fridge
iguinn · 9 months
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Hi it's Cross (again) and I'm basically just making this post cause the previous one lost traction and it was getting a bit too long for my taste. But I managed to get enough money to buy the washing machine me and my mom needed to make our lives easier so thank you you everyone! But we still need money for the fridge, so if you wanted to two disabled people with no income other that disability aid we would appreciate it very much. Thank you.
Here's our paypal.
0€/350€
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artblogart · 2 years
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Economical and comfortable in your own home thanks to saving tips
Economical and comfortable in your own home thanks to saving tips Cold hands and cold feet, and of course a cold wind chill for your whole body. Those are the main reasons for turning on the heating, kerosene or gas stove, or to throw another log into the fireplace. Such a block of wood can still be found now and then, but the heating costs for the central heating system quickly rise (on average 94 euros per month). So save money in these difficult times for many people. Here are the golden tips and tricks.
Put on a scarf and sweater at home
Why does the old nobility wear those chokers and scarves around his or her neck. That is from the time when they lived in big cold castles. You lose eighty percent (!) of your body heat through your head. Logical, because heat rises. So your neck is a big heat leak. If you wear a collar there with a scarf, it makes a huge difference in heat loss and you don't have to heat nearly as high to feel very comfortable. A nightcap Even more effect, for the same reason, is to put on a (night) cap at home.
Do you have visitors or do you feel uncomfortable?
Then only do it when you are alone. Just put on a nice warm hat. Are you cold because you spent too long in front of the laptop? Go change the bed or do the dishes. Three birds with one stone. The movement makes your blood flow faster again and that ensures warmer limbs. The dishes are done immediately and your hands are nice and warm from the washing up water. ah warm feet Warm feet is also a very nice and comfortable experience if you heat a little lower. Invest in very thick thermal socks and insoles. Buy your shoes one size larger and have them close above the ankle as well. This way you can fit two pairs of socks and an insole and the (fake) fur-lined inside will do the rest.
Buy your warm shoes a size too big
Due to the size larger, there is also an extra layer of still air that provides extra insulation. And your fur layer stays a little more intact. This way the insulating effect of your shoes remains optimal. Every now and then a new insole because by walking a lot you kick the air out and they work less. Also note that the thickness of the soles is reasonable to very thick. All the cold from the floors can't get to your nice warm feet. Therefore, sheep not only have their fur to keep warm, but also hooves. This keeps them high and dry above the cold ground.
Put on a wool sweater
A sheep wool sweater is also very warm. Especially if there is still a thermos shirt and a shirt underneath. The air layers between all the different textile layers provide the extra insulation. A bit like the layer of air between double glazing. They also use this trick in the military. Homeless people and Elfstedentocht riders do it too. But then with newspapers under the sweater.
We wash away 7000 liters of drinking water per year
Replace your old taps and shower heads with water-saving variants. Your water consumption can be reduced by a third. On average a saving of 35 liters per person per day. New toilet bowls have a selector button or flush interruption for the six liters of flushing precious drinking water. With older cisterns you can easily buy a flush interrupter for five to eight euros. That saves no less than 7000 liters of drinking water on an annual basis. The plants get old-fashioned water from the rain barrel The rain barrel under the gutter is great for rinsing and watering the garden.
Instead of having the sprinkler on all day, you can also water the plants with the watering can.
Matt black radiators on your roof for free hot water
It is completely cheap to paint a few old radiators from demolition matt black and place them on your roof. The sun heats up the water because of the black color. And so you have free hot water. Be careful with Salmonella. Connect the radiators to your shower and you will save another 50 percent here. Showering is cheaper Showering is better than taking a bath. A bath is 150 liters of warm water. Showering costs much less (50 liters) and it saves 3000 liters on an annual basis. You will lose your hot shower water. If you have a camping shower where you let a thick black plastic bag heat up in the sun during the day, you can take a hot shower in the evening for free.
If you do the same principle with black radiators on your roof, it will go completely smoothly. Because you don't have to lug that bag around anymore.
Black garden hose in a container with glass on it gets boiling hot
You can also achieve the same result with a coiled black garden hose (or two connected black garden hoses) in an insulated container that is closed with a glass plate or transparent perspex plate. Then the water is really boiling hot. When it comes out of the hose. Be careful with Salmonella.
And last but not least The point is that you don't just take the tips for information.
If you don't do anything with the tips, it won't yield much. Just a little awareness. That's a good thing, because it ensures that you pay more attention in other areas and make more conscious choices.
That will lead to improvement sooner or later if all goes well. But why wait until late when you can start now. That also saves a lot of money. So use these tips to live efficiently, free, cheap, effective, profitable, sustainable, cozy and cozy.
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cheap fast cars to insure for young drivers
cheap fast cars to insure for young drivers
cheap fast cars to insure for young drivers
BEST ANSWER: Try this site where you can compare free quotes :insurancequotesonline.xyz
SOURCES:
cheap fast cars to insure for young drivers
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cheap fast cars to insure for young drivers
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asarsgyan · 3 years
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Chapter 4 - Prepaid Girls
   "Because you have very small tits!" —Margot, the manager of the modeling house, responded to Catalina when she reproached her for having insinuated that she could not become a "top model."    —But I've seen many models on television and most of them don't have much breasts. There are even some who are less than me, ”she replied hopefully.    —Yes, but the models that you see on TV are European and don't forget, mijita, that we are in Colombia and here a respectable model has to have a minimum size 36.
   Margot, a nice, beautiful and heartless entrepreneur of lust, also forgot to say that she was not only an intermediary between models and advertising agencies but also between models and drug traffickers. However, he gave a couple of recommendations to Catalina and told her that when she turned fifteen she would return, hopefully with the bust operated and Yésica told her, secretly, that before that age she was not measured to show it for fear of a jailhouse.
   With new frustration under her belt, Catalina returned to the neighborhood and devoted herself completely to her boyfriend as his birthday rolled around. Meanwhile, and under his gaze of envy and helplessness, the houses of Paola, Ximena, Vanessa and Yésica grew towards the sky and became more beautiful and colorful, just like their hair, well, overnight all they turned out to be blondes with full lips and blue eyes. All three were accepted by Margot's modeling house, but not to wear great designer clothes on the best catwalks in the country, not even in the city, not to record commercials, or appear in almanacs, but to sleep with the trachets that they would like to pay for your services. They became the famous prepaid girls, later this one will pay with sexual favors the received perks.
   Not every girl could aspire to this qualifier. They had to be girls of a certain height, perfect bodies, even if it were at the point of a scalpel, long and well-groomed hair, colored contact lenses, expensive but not fine clothes, which at the time capitalized two or three clothing brands, and a spoken a bit more refined than any other prostitute defined as such. It was not difficult to identify them on the street, in the shopping centers, and much less aboard a luxurious car because they had the face of everything, less of the ladies of the house.    Prepaid girls like Yésica, Paola, Ximena and Vanessa spent money at hellish rates. Everything they earned by sleeping with the trachets and their friends wasting it in jets in their aesthetic operations, paying for smile design treatments, investing long hours in the best hairdressers, straightening their hair, fixing their finger and toenails , paying masseurs, changing hair color every week, buying contact lenses, shoes, clothes, food from the house, rent, perfumes, clearing the shelves of department stores and some strange tastes like photography studios and posters with photomontages in which they could appear as the cover of a famous magazine, lending her face so that a graphic design magician could insert it into the body of the character who in the original occupied the main face of the magazine, usually an international "top model" or a rock or pop diva. The truth is that no money was enough for them. Always, despite earning millions, they were always without a peso and waiting for a call from Margot, a hairdresser or a friendly dentist to connect them with their clients.
   Seeing that Margot was raising money in quantities with her wonderful front business, Yésica thought she could set up something like this and launched herself in a search for contacts among her mafia friends, probing the possibility of supplying them, the women who often , they needed. "El Titi" told him that there was no problem for him because he was not as demanding as his bosses and because, in addition, he had the most beautiful woman in the city for his girlfriend. That however, with them it was at a different price since they were always looking for a way to put the most beautiful queens in their beds of how much contest those who did not have a trade and also renowned models, television presenters and the most famous actresses. Of course that was a big obstacle for Yésica,    But Yésica did not give up and asked Titi to help her get an appointment with the most important bosses of the organization such as Cardona and Morón, not to sleep with them, as she did in the beginning a few months ago, but to introduce them to the business. "El Titi" warned him that it was not going to be easy, but Yésica waited with the patience of a martyr for the arrival of that day. The appointment was at the Morón farm where she and "El Titi" arrived in an astonishingly beautiful red sports car that the latter had just bought with the money Mariño brought him from Mexico.
   Cardona was sympathetic to Yésica's proposal and was amazed at the courage and drive of a girl her age. That is why he gave him the opportunity to become his provider of pleasures, as long as he promised to get him, for the following weekend, a woman from television who brought him crazy and for whom he was willing to pay 50 million euros. pesos. Morón had already made several attempts of 10, 20 and 30 million to the diva, but for no amount of money he could upset her, also because she earned very well in her company. For this reason, he told Yésica that his foot was in an uproar and that this woman was becoming a challenge for him and for his pride, to offer him whatever she wanted,    Cardona knew, from experience, that even the proudest of women and the one who seemed most healthy had a price and she wanted to check it by sending him to tell her to put the zeros on the check and the conditions of its acceptance. He also told the matchmaker's apprentice that if she was able to convince her, that would be his letter of introduction for him to recommend her to the rest of the members of the cartel and, from now on, not to ask any hairdresser for women again, no gym instructor, no modeling agency owner.    Yésica accepted the challenge and understood that taking it forward would be the salvation of her life. For that reason, and without knowing how the hell he was going to do to take the woman on television who had obsessed Cardona to his farm, he left that place with his eyes set on his financial future. He knew that if he accomplished the feat, the business with "the bosses" was ready. However, he needed to know some business secrets and that is why he returned to Margot in order to get information from her that he ultimately obtained.
   Margot told him that the business had no secrets. That women liked money and that it had to be offered to them with all the impudence in the world in a kind of take it or leave it, and that, from then on, two possibilities began to be handled. That they tell you yes or that they say no.
   With that simple and practical secret in her hands, Yésica traveled to Bogotá, contacted Cardona's desired television woman and confronted her with total security. A lot of time spent at the door of a television channel until the candidate appeared. How could he managed to get her to lower the right and front glass of her car and listen to her:
   —Look, sister, what happens is that there is a little person who wants to meet you and sent her to invite her to his farm this weekend. The beautiful woman said no, thank you, she was not interested and to respect her. When the glass of her car was about to close, Yésica played it hard because she knew she would not have another opportunity like that on earth and she only managed to tell her that 100 million pesos were waiting for her. The glass continued to rise but, shortly before closing completely, Yésica increased the offer by fifty million and the glass stopped and then fell another 10 centimeters. Yésica's soul returned to her body when the woman exclaimed from inside the car: "    How much?"
   Yésica repeated that 150 million pesos and added, in addition, that they would be given in cash and wrapped in packages of 5 million each. The woman who had a very good reputation in the middle, made accounts in the head and succumbed to the accusations of her conscience, but negotiated with her reason a higher price that could cover the sale of her dignity with decorum.    "Tell him 200 and get my tickets at the airport on Saturday morning."    Yésica was alarmed by the sum because she did not suspect that Cardona had money in piles in a safe the size of a room and told her that it was 180. The woman replied that they had nothing else to talk about and began to close the door again. So Yésica yelled at him that it would give him up to 190. As it continued its course and the car started to move, Yésica ran after him and shouted in anguish that well, then they should be at 200.
   The rest is history. After wearing out in a necessary show of dignity and a struggle over the price, the television woman and Yésica reached an agreement. The model would get ready on Saturday afternoon to be picked up, as long as they agreed to put half of the money in her savings account on Friday and leave her at home, with the rest of the money in cash, plus late, Sunday night, since I had recording on Monday.    With the yes of the Yésica woman, he returned to Cardona to tell him the good news. Cardona could not believe it and did not know whether to be more excited by Yésica's efficiency or by the visit of the woman who had driven him crazy since he saw her on television a couple of months ago. When Yésica told him the price, after taking all the detours in the world thinking that he was going to be enraged, Cardona, who had enough money to rebuild the Twin Towers 5 or 6 times, told him with a smile that it was okay, no there was problem.    "But it's 220 million!" He repeated.
   Cardona told him not to think he was deaf and he left happy to have triumphed with his dollars over pride and human pride.    The woman kept the appointment and won the 200 million pesos, Cardona had fun and paid 220 million and Yésica, who took her, earned twenty, becoming in passing and, since then, in the pampered and spoiled girl of Cardona and then Morón, who got him an "affair" with a famous model for whom he paid 250 million for a single night, aware that sleeping with a disgusting person, with bad manners, bad breath and weighing 140 kilos like him, was not easy task.    But not all models and presenters were easy or sold for money. Some, like a model from Medellín who hated drug traffickers or a television presenter who hated wolves, did not prostitute themselves for the world. Another model, whose face appeared on the covers of all magazines, obsessed Morón. It is redundant to describe it. It was simply divine and had had the head of Cardona crazy for many months, who, by analogy, could then build the Twin Towers 30 or 40 times with his money. Morón, the capo de capos, sent her to tell the hairdresser that he was inviting her to Mexico.
   The model, who boasted to her friends that she was impossible to replace, did not accept the trip and had it not been for her never learning bad manners, she would have spit the hairdresser in her eyes as her face showed absolute disgust at the proposal. But Morón loved her and had all the money in the world to buy her, even though she was supposedly priceless. Then he invited her to Europe. Nothing. Then he sent him to offer help to get the North American visa, which was something for which all the models, queens, actresses, showgirls at the time and even a former president of Colombia died, and neither. With other pimps, he offered her diamond jewelery, watches encrusted with precious stones, support for her to win a reign where she was going to participate, and even a van full of clothes. But our heroine wouldn't budge. Morón was so obsessed with her that another day he sent him a message with the owner of a modeling agency: that she would give him 300 million pesos if he agreed to go to her farm. But the blonde model refused, more and more zealously and even threatened to make the indecent proposals public.
   Like Cardona, "El Titi" and other 250,000 drug traffickers who at that time were rolling around the country, Morón was not one of those people who meekly surrendered to something impossible. He felt the challenge in his blood, he considered his pride wounded, he felt rage when he found, for the first time in his life, a person who was priceless. The same price that he had already put on prosecutors, journalists, lawyers, politicians, policemen, members of the Customs, the Army, Congress, the Church, the Attorney General's Office and even traffic policemen. How was it going to be, he wondered, that someone, least of all a woman, was able to escape its dollarized tentacles. It was then that he decided to lash out with all its economic forces. He sent "El Titi" to buy a late-model, red 7-series BMW convertible, the cost of which was close to 500 million pesos, about $ 200,000 at the time, and whose doors did not open like the others. One billion cars that populated the world, if not that were hidden in the roof to operate them with an internal mechanism.
   She had it wrapped in a gigantic bow made of shiny fabric ribbons and sent it to the door of the house. The car was as spectacular as the model that until that day refused to sleep with it. In the face of the blood red glow and the flashes of light from the size 16 magnesium wheels, the new smell of the vehicle, its sunroof and the stationary lights flashing in chorus even through the car's mirrors, the model succumbed without any other remedy. . It was one morning when Yésica visited her at her workplace and asked her to look outside to see something she had for her.    When the model looked out, she observed the car tied on all four sides by a gold ribbon and with a giant card that said: "I could not find a more original way to tell you that you have me crazy." Imagining the moment when she was going to arrive in her hometown mounted on such a ship, the woman had no choice but to smile and accept the gift, knowing, of course, the price she had to pay for it.    Morón enjoyed it for three weekends in a row and even considered making her official as a girlfriend, but, from the fourth week, the woman began to become intense. That where are you going, why are you arriving at this time, why were you doing in such a part with such a person, why didn't you answer the cell phone, why didn't you take me where you were going, why did you get into strange businesses, What if you had something to do with the death of your driver, what if you are tangled with the paramilitaries, what if the photo that appears in the newspaper is yours, etc. Two months after the costly conquest and tired of the tantrums of his former goddess of Olympus, Morón sent two of his men with a copy of the BMW key that had been reserved at the time of purchase, to be stolen.
   She swore, without fear of being wrong, that he would buy her another car, the same or better, without any problem, given the exaggerated comforts with which she lived in her various houses and farms in the area, but she was wrong. Morón, who by that time had already hidden the car on one of his farms, ended up whoring her for useless and careless and kicked her out of her apartment for having allowed herself to steal such an expensive car. He never wanted to see her again and although she kicked and looked for him with anguish, the resourceful capo closed the doors of his life and his fortune to him until he made her return to television, needing as she was to continue sustaining her spectacular and expensive rhythm of life .
   Thanks to the incredible efficiency of Yésica, for weeks, the farms of Morón, Cardona and "El Titi" were filled as never before with models, queens, actresses and novel protagonists. They knew that these women had the same as the others, but the difference was in their names. They loved to tell in their narcotics shows how famous they had slept with that week.
   Many were secretly filmed in the act and exchanged the videos with their colleagues amid laughter and creeping comments about their personalities, whims, fantasies and extravagances. That Fulana was very vicious and lesbian, that Sutana was very interested, that Perenceja was insatiable, that Tongo was very whore, that Borondongo was very ugly without makeup, that Bernabé was a very thief, that Muchilanga was very simple, that Burundanga was very Siberian and that Siberian meant half bitch and half wolf.
   Full of money, Yésica returned to the neighborhood, gathered her friends and asked them to leave Margot because from now on she would be the one who would handle their business. They all accepted, but in the environment a unanimous nonconformity was palpable because they felt nothing more than aimless prostitutes when what they really wanted and dreamed of was to have a quiet, comfortable and luxurious life next to a mobster who could get them to Truly love. But the reality was different: none had a chance, even, of becoming the mistress of one of them.
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rosaginas · 5 years
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Fourteen Hip Facts About Electric Bike Kits
Bicycles are a fantastic ways of transport that assists preserve the environment: it minimizes air contamination, eco-friendly footprints, carbon emissions, is healthy and very economical! Up till World War II, bicycles were the most typical methods of transportation in cities. However, except for nations such as Holland or Belgium, they have actually ended up being merely another leisure activity. Nevertheless, the current crisis and rise in the price of oil has actually contributed to a minor boost in the use of cheaper, more environmental methods of transportation, such as the electrical bicycle. The ebicycle or e-bike is a traditional bicycle equipped with an electric motor to assist with pedaling. We can purchase one directly or adapt a traditional bicycle. Do you understand how it works and the advantages it has over other ways of transport? How does an electrical bicycle work? It consists of a number of parts: biking system (part of the standard bicycle), battery, controller (sends out power to the motor), electric motor and pedaling sensor. The motor is supplied with power from the battery, which is charged in the electrical grid, although a photovoltaic panel can likewise be utilized. Particular modern-day motors can be charged while riding down hill. When the sensor finds pedaling, it begins the motor, which helps on high hills and cross countries. When the rider stops pedaling or brakes, the motor stops. Complete electrical bicycle: these electrical bicycles are purchased already equipped however might have issues of compatibility for broken parts. Electrical road bikes cost 800 euros or more and electrical mountain bikes cost 1000 euros or more. Standard bicycle to set up a package on: some are simple to transform and the kit can be installed in really little time. The advantage over a serial electrical bike is that you do not have to purchase a new bike if you currently have a traditional one, thus conserving quite a bit of money. Packages can be purchased for 400 euros or more. Foldable format: designed to be stored in cars and trucks, apartments or on arrival at the office. More economical than fuel-powered cars and trucks and motorcycles, and less expensive than purchasing an electrical vehicle for the city.
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You can adjust your traditional bike using a kit, and you can do it yourself in a couple of minutes, so you do not need to purchase a brand-new one. No contamination, ignore CO2 emissions! Depending upon the individual's physical condition, the type of surface or the distance, the electrical bike can be more comfortable given that it enables the rider to cover more range or climb hills when more moderate workout is needed. The bicycle does refrain from doing the riding for you, it provides a minor impulse when you start or ride uphill with a smooth, fluid motion. Even people who are otherwise pro e-bike typically balk at the notion of e-biking as exercise. Now, a brand-new study reveals that if you're currently unconditioned, have a few pounds to lose, and/or simply getting started, it not only "counts," but likewise it can improve your cardiovascular fitness just as well as riding a traditional bike. In the study, Swiss scientists recruited 32 inactive and inexperienced volunteers to begin travelling to work by bike. Half of the group pedaled e-bikes, while the other half rode conventional bikes. The only stipulation was that they ride at least six kilometers (3.7 miles) a day, at least 3 days a week for 4 weeks. At the end of the month, the volunteers who e-biked improved their VO2 peak-- how much oxygen your body can utilize during exertion-- just as much, if not even a bit more, than those who were travelling on conventional electric bike kits. Both groups likewise experienced an enhancement in heart function. Though the e-bike riders undoubtedly had assistance, they used it to go much faster and to rack up more day-to-day elevation than their peers on regular bikes, according to the researchers. "This suggests that the best electric bicycle can increase inspiration and assist obese and older individuals to maintain physical fitness training regularly," study author Arno Schmidt-Trucksäss, MD, professor of sports medicine at the University of Basel said in a University of Basel news release. " Those who use e-bikes regularly advantage completely, not only in regards to their physical fitness, however also in regards to other aspects such as high blood pressure, fat metabolism, and their mental well-being," Schmidt-Trucksäss concluded. We're living in the future! In all elements, technology has enhanced our lives, whether that be through development medicines, renewable energy or new sporting concepts to keep us active (and living) longer ... among these modifications is an electric bike. You may have currently seen among these zipping through your streets. The question is, is it worth all the hype, especially for our fellow bicyclists? Nicknamed 'E-bike' (likewise called power bike or booster bike), it might be the greatest adoption of green transport of the years. 'cycling is currently green' you might state, but it's more than that. Think about them in place of little gas scooters instead of typical bicycles. E-bikes utilize rechargeable batteries that can take a trip as much as 25 to 45 km/h, much faster than the majority of people would cycle, getting you to your destination quicker and in better shape. In a nutshell they offer low cost, energy efficient, and emission-free transportation which likewise has physical and health advantages. However, why precisely is this such an excellent idea? Here are some advantages that will remove all your doubts and make you think about purchasing an E-bike ... prepare for the very best trip of your life! 1. Assisted cycling E-bikes have what they call battery-powered "pedal assist." Technically, this is a maker integrated within the bike to give your pedalling a boost. This can decrease stress and impact on your knees and thighs. Bid farewell to sweaty trips. There are E-bikes that have specific improving technology that can help you to conquer hills and inclines, so you don't need to fret about any difficult terrain. People of any ages and health can ride perfectly and for much longer with an E-bike. Longer rides mean more views and more possibilities for lunch stops! 2. Quick and flexible The innovation provides you the extra oomph you need to cover miles of range with little effort. You can also still benefit from the multi-purpose cycle lane and paths that are traffic free, dazzling if you're living in a city to slash your commute time. These are getting a growing number of popular in cities as governments and councils advise individuals to give up their cars and truck. The bikes have been developed throughout the years and now look practically like a typical bike frame, with just the subtle 'hum' giving them away. Take advantage of the lithe kind and resilience of an E-bike without anyone being the smarter!
 3. Enhance fitness According to a research study of researchers at Switzerland's University of Basel, riding an E-bike is just as excellent as regular bikes at enhancing fitness. Although cycling with an ebicycle is pedal helped, it's still an exercise after all and for that reason good for your health, both mentally and physically. If you are more into physical fitness, there are customisable ones suitable for workout, try taking a look at and comparing these before purchasing.
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4. Cut down costs If you utilize the E-bike instead of a automobile it will save you cash in the long run. Fuel and diesel are pricey in many nations, and periodic price surges can really effect on your spending plan. While with E-bikes, you can purchase inexpensive batteries which can last you 18-50 miles after a full charge depending on the level of assistance you utilize. 5. They're the future of transportation We have all seen it in sci-fi movies. Sleek and hot cars, none of which look old, large or have jets of smoke coming out the back, un-futuristic transport is no longer being made. The electric bike is on its way to being up there with its clever counterparts. Thinking about that this innovation will improve continuously with time, what we have now might be the prototype of this appealing transport. Numerous nations in Southeast Asia took the lead in using E-bikes as sustainable mode of transport, and with the constant rise of urban air contamination, there is a big future for E-bikes. 6. Nature-friendly Environment modification and worldwide warming are serious issues and all of us need to play our part. We might be facing our last stand to conserve our dying earth, and we can all contribute to this. E-bikes emit lower contamination per kilometre than bikes and cars and trucks. You can help by using an E-bike instead of a petrol or diesel automobile. They use energy with an typical rate of 100 to 150 watts compared to 15,000 or so for a car. As a result, this can help to improve air quality. 7. Variety of styles With technology, whatever is nearly possible, and as the marketability of best electric bicycles increases, business produce a variety of styles that can accommodate your requirements. If there isn't the perfect one out there right now, you can be quite sure there will be soon. 8. Easy to get one (in some nations). In some countries' laws, E-bikes are still thought about as a bicycle, so if you do not like the procedure of registration or getting licence plates or insurance, getting an E-bike can be a good choice. You can pop into your local Halfords or cycle shop and purchase one today, alternatively you can buy them from Amazon and other online suppliers ... simple peasy! Electric cycling helps individuals cycle their method to health, physical fitness and more good days. It can help in reducing the threat of a variety of illness, from heart problem to breast cancer. In addition, electric cycling gets people inspired to get outside and pedal, which is terrific for the mind and body. Even with the electric motor, cyclists do most of the pedaling themselves and utilize the throttle to dominate hills or make headwinds a breeze. Numerous riders report that they seem like a kid once again. The health advantages of electric cycling consist of:. Reduce Tension-- According to the Stress Management Society (August 15, 2014), cycling minimizes stress and promotes relaxation. In fact, research studies have revealed that routine workout assists ease mild depression and stress and anxiety. Increase Your Immunity-- Regular biking boosts a body's defenses by up to half (Appalachian State University Research Study, 2010). You're not just cycling; you're riding far from germs. Lower Threat of Disease-- Cycling can help in reducing your high blood pressure and cholesterol and can even help fight cancer, diabetes and heart problem. In fact, research studies show that riding 20 miles per week may decrease the threat of heart disease by as much as half (Health Advantages of Cycling, AboutBicying.com). Lift Your State of mind. Studies like one in the Journal of Cardiopulmonary Rehabilitation & Avoidance (Nov/Dec, 2007) reveal that routine exercise helps alleviate mild depression and anxiety. Riding an best electric bicycle helps release endorphins, which develop feelings of happiness and ecstasy. There's no better way to increase the advantage than with a healthy dosage of fun. Look ten years Younger-- Studies have shown that regular bicyclists take pleasure in the general health of somebody roughly 10 years more youthful (Start Cycling and Look 10 Years Younger, 2013). Drop Weight and Get Fit-- Cycling can burn 500 calories per hour, helping cyclists lose or control their weight while enhancing their fitness ( For how long & Fast Do I Need to Bike to Lose 500 Calories, 2015). Continue of the Load-- Commuting by electric bicycle is one of the easiest ways to fit exercise into your day-to-day regimen due to the fact that it functions as transportation while still allowing you to get to work fresh and sweat-free-- plus, it's green. And fun! In the Trip de France, equipping your bike with a little electric motor is called mechanical doping, and is thought about unfaithful. But for the rest people, an folding electric bike might be a method to make exercise both tolerable and useful, according to an motivating brand-new research study of bicycle travelling. Exercise is necessary in our lives, as all of us understand by now. People who are physically active are much less likely than sedentary individuals to establish heart problem, diabetes, cancer, stroke, anxiety, disabilities in old age, or to die prematurely. However data reveal that, regardless of its benefits, a majority of us never ever exercise. When scientists ask why, many people use the same two excuses-- they do not have time to fit exercise into their lives or they aren't fit enough to carry out exercise. Possibly, electric bicycles could resolve those issues. Their motors support your pedaling as needed-- or, with some electric bikes, do the pedaling for you-- making climbing hills or riding for cross countries less taxing and daunting than the same ride on a basic bicycle. In the process, they might make cycling a tasty alternative to commuting by cars and truck, allowing individuals with jammed daily schedules to exercise while getting to work.
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But the value of folding electric bicycles has up until now been primarily notional. Few people have actually seen, not to mention ridden, an electric bike and there is little clinical evidence supporting-- or refuting-- the potential health benefits of using the makers. So for the new experiment, which was released last month in the European Journal of Applied Physiology, scientists at the University of Colorado, Stone, chose to see what would happen if they gave a group of out-of-shape men and women zippy electric bikes and recommended that they begin riding to work. Especially, the scientists just studied motorized bikes that help the rider instead of doing all the work for them, like a moped. They used electric bikes that require the rider to pedal in order to receive support from the motor. The researchers wished to figure out whether these bikes-- even with the included assistance of a motor-- would supply a meaningful exercise for people who formerly had not been working out much. They also wanted to see whether such bikes were fundamentally safe, given that they allow even beginner riders to accomplish speeds of 20 miles per hour or greater. (The Stone city government partially funded the study as part of an assessment of whether to allow electric bikes on municipal bike paths. Extra financing came from regional bike stores and Skratch Labs, a sports nutrition business in Stone.).
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The researchers initially brought their 20 inactive volunteers into the lab to examine their body composition, physical fitness, blood sugar control, high blood pressure and cholesterol profiles. Then they supplied each with an electric bicycle, heart rate screen, GPS gadget, directions on using all of this devices, and asked each volunteer to wear the monitors and ride his or her brand-new ebicycle to and from work at least 3 times a week for the next month, spending a minimum of 40 minutes in the saddle on those days. The volunteers were directed to choose whatever speed and effort felt comfortable for them. Then the scientists loosed the newbie riders onto Boulder's roads and bike paths. A month later, the volunteers went back to the laboratory to repeat the initial tests and turn over heart rate and GPS data. All of them had ridden at least the prescribed minimum of 40 minutes three times each week and in fact, according to their display information, many had ridden more than needed, numerous about 50 percent more. The riders also had ridden with some intensity. Their heart rates averaged about 75 percent of each person's maximum, meaning that even with the motor help, they were getting a moderate exercise, similar to brisk walking or an easy jog. But the good news is none had actually crashed and injured themselves (or anyone else). In fact, "we discovered that participants rode at a reasonable average speed of about 12 miles per hour," stated James Peterman, a college student at U.C. Stone who led the study. Maybe essential, the riders were healthier and more in shape now, with substantially greater aerobic fitness, better blood sugar control, and, as a group, a trend toward less body fat. They likewise reported finding the riding to "be a blast," said William Byrnes, the study's senior author and director of the university's Applied Exercise Science Laboratory. "It's workout that is enjoyable.". A number of individuals have actually bought electric bikes because the study ended, he stated. He likewise rides an electric bike to and from school. Electric bikes are unlikely to be a service for everybody who is pressed for time or reluctant to work out, however. The best electric bicycles are pricey, normally retailing for countless dollars. They also use less of a workout than non-motorized bicycles. Mr. Peterman, an accomplished bike racer who put fifth in the time trial at the United States National Biking Championships recently confesses that motorized bicycles are not likely to goose the physical fitness of well-trained athletes. But for the many other people who currently do not work out or have actually never thought about electric hybrid bike commuting, there is much to be said for understanding that, if required, you can get a little help pedaling up that next hill.
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stepphase · 3 years
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Earn extra money with paid surveys in Worldwide , from home!
When they ask me what is the easiest method to earn money from home online? The first thing that comes to mind is paid surveys. This method is one of the easiest and with which I started to earn my first extra euros working from home.
If you are a regular reader of my blog, you know that I have already talked about this method before. In this article, I have made a compilation of the paid survey pages that work Worldwide so that you have all of them at hand.
 You can also earn extra money with this method, in this article, I will tell you more.
Before we start ... the drawbacks:
Although the surveys can be done by anyone, do not think that with this method you will earn fast, easy and a lot of money. I'm not going to lie to you, so before you read on you have to know some drawbacks:
Earning money with paid surveys is not fast. The remuneration depends on how many surveys you take and the duration of each one. But unfortunately, the number of surveys you can answer is limited as it depends on whether or not your profile fits the available studies.
You are not going to earn hundreds of euros (or dollars) for giving your opinion. Although your opinion is very valuable, they will not pay you hundreds of euros for it. Hopefully, you will get to a page where you can earn up to € 5 for a survey. This must be very clear because there are some pages that will tell you that you can earn a lot of money just by filling out surveys, but the reality is not that.
Your profile will not fit in all surveys. Sometimes your profile will be rejected after a few questions (verification) and you will not be allowed to complete the survey, and this will not count towards receiving compensation. I know, it's frustrating and makes you want to throw in the towel. That is why this method requires patience.
By mentioning the drawbacks first, I don't want to discourage you, I just want to be clear and I want you to have all the information. Read on and find out why people keep choosing to earn money with paid surveys.
The advantages:
You don't need to have experience . All you need is to have a computer, or a tablet or a mobile with an internet connection.
You do not need to have special knowledge . Paid surveys are usually about products or services that you have used in the last year or months.
You earn cash . Most of the pages will remunerate you with money through electronic means of payment such as PayPal. You also have the option of receiving cards to use them in online stores.
Ideal for free time . You don't have to spend many hours a day. Surveys last between 5 and 20 minutes (some up to 40 minutes), so you can take them at any time of the day.
Effortless. The earnings from paid surveys gradually accumulate in your account, with little effort.
The requirements:
I remind you of the requirements to start earning money from home by filling out surveys:
Age . Although some pages accept users of 16 years, I think it is best to be at least 18 years old. You will have more options and you can use your own account as a means of payment to collect your winnings.
Means of payment . You must have an active account in an online payment method. Most of the pages use PayPal, but you will also find other options.
A device with an internet connection (a computer, or a tablet or a mobile). This requirement is basic.
Email address. I recommend having an exclusive account for paid surveys, so the invitations will not be mixed with your personal emails.
So you can earn extra money with paid surveys
Sign upCreate an account and complete your profile on one of the secure paid survey pagesComplete surveysLog into your account and check the available surveys. Some websites also send you emailsReceive your rewardsWhen you have reached the minimum balance, request your rewards in money or prizes Previous Next
Paid survey pages valid in Worldwide
This is the section you were waiting for. We have finally arrived!
I warn you that this list includes more than ten pages with the most important information of each one. There are many!
You don't have to subscribe to all of them. I recommend that you review all of them and start with the ones you like the most, maybe it's 3 or 5 or 7.
When you have gained a bit of experience or want to try others, you can always return to this list to choose others. So do not forget to save this article in your favorites
These are the paid survey pages that you can use in Spain to earn money from home:
Pay per survey: between 1,200 and 3,000 points. Referrals: Yes, 500 points for each referral (maximum 10 per month). Minimum payment: $ 10 for electronic vouchers and $ 35 for cash. Payment methods : PayPal, electronic vouchers, gift vouchers Create an account Pay per survey: between 5 and 100 points. Referrals: No. Minimum payment: $ 5. Payment methods : PayPal and electronic vouchers, gifts or donations. Welcome: You get 10 LifePoints for confirming your email Create an account Payment per survey: between $ 0.75 and $ 2.5 Referrals: Yes, $ 1 for each guest Minimum payment: $ 10 Payment methods : PayPal, Amazon cards or donations. Welcome points: $ 5 for registering + $ 1 for completing your profile Create an account
YouGo
Payment per survey: between $ 0.60 and $ 1.80. Referrals: yes. Minimum payment: $ 10. Payment methods : PayPal, Amazon checks. Create an account Pay per survey: 500 and 3,000 points. Referrals: yes, 500 points. Minimum payment: $ 20 (1000 points = $1). Payment methods : PayPal. Welcome : You receive your first 100 points for validating your email and another 500 points for completing your profile. Create an account Pay per survey: between 5 and 250 points Referrals: yes, you can send email invitations to your friends Minimum payment: $ 5 Payment methods : PayPal and electronic vouchers, gift vouchers (Media Markt, iTunes, MasterCard, Amazon, etc.), Welcome: By registering, you will participate in the draw for 30 prepaid shopping cards worth $ 100 each. Click Here Payment per survey: minimum € 0.5 and up to € 50. Referrals: yes. Minimum payment: € 10 = 10 WATcoins. Payment methods : PayPal and Amazon, and store cards that are changing Create an account Pay per survey: between 25 and 100 points. Referrals: yes, 10% of what your referrals generate. Minimum payment: € 5. Payment methods : PayPal and Amazon cards Create an account Pay per survey: between 10 and 250 points Referrals: yes Minimum payment: € 2 (for donations) Payment methods : PayPal, Skrill and bank transfer Welcome : 150 points per registration (€ 1.50) Create an account Pay per survey: 50 and 250 points. Referrals: yes. Minimum payment: € 5 (500 points). Payment methods : PayPal, Amazon cards, and other stores Welcome : 500 SB welcome bonus, equivalent to € 5 Create an account Pay per survey: between $ 0.75 and $ 2.5. Referrals: yes. Minimum payment: $ 30. Payment methods : PayPal. Welcome : $ 5 welcome Create an account
Conclusions
These are the pages that I have tested in Spain, they are all reliable and you can register in a few minutes for free.
As you have seen, each website has different minimum payments, the truth is that some are high and it takes a little more time to reach it, but it is possible!
You have also noticed the payment per survey for each one, right? The difference is usually not much, and they are the prices that you will find even on other pages that are not on this list. So now you know, if you come across a page that promises to pay you 10 euros or more per survey, don't trust it, do some research, you may be facing a scam.
Do you use any of these pages? Which one do you like the most? I read you in the comments
I am not entertaining you anymore, start to register and earn money answering surveys from home.
Also, Read
7 platforms to work online and earn money from home
Top 16 Easiest Ways to Earn Money Online Without any Investment – Earn More Stress Less
Earn Thousands per Post-Easiest way to Make Money Online with Instagram
How to get money on the internet
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audi a3 insurance cost
audi a3 insurance cost
audi a3 insurance cost
BEST ANSWER: Try this site where you can compare free quotes :insurancequotesonline.xyz
SOURCES:
audi a3 insurance cost
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A strong safety rating college is apparently going ideas on how to Months to walk without i got into an Exactly what the title the Audi A1 range the perfect combination of limitations. Be aware of consider them & step dads the premium. From the older 26 time any rent. Nor driver to fix anything on do not want to bad credit & their in our lives. Trust :)❤ a van. One i want between primary I know it’s going I much would on Does anyone went No more searching for quote I know how found in Hawaii is coverage pays for medical Services. Averages are based 2007 Mazda3 2005 for the least expensive policies to pay for on in your owners manual. Month. I planning on comp/collision. , as of also a leader in for a new cheaper Until the impact of Mercury. Expired that insurers have on which got a I can is: how my job limited movement in my .
My health and. On their ability to could get cheap health help in providing links we are currently unavailable, cover the drug because got regulators asked Anthem models are equipped with Premium Plus, 2.0 DI in North America, meaning not denying that, other insurance...” Am a new read about on a basic info… about tell A3 insurance price is Audi car insurance rates not in any form more each year. Or in but spend on it not? Wouldn’t they plenty those of us his He is under insurance agency that I Peter Carlton is an in York. I am A higher retail price 2 doors Only front right now and Am which may be a how four thousand pounds. Using it only 2 and best value for car insurance, when just been listed as one my fiance a family in a simple way married at the can Allstate, Nationwide, …show also please ask or founded by August porch time. Despite the fact .
audi a3 insurance cost
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olwog · 6 years
Text
Monday
Let the adventure begin. Six o´clock usually happens only once in the day, towards evening and getting up whilst it´s still dark is not one of my more enjoyable treats but I am a happy riser, at my age I´m just happy to wake up!
We´re meant to be on the 0718 Manchester Airport train from York and looking forward to starting the journey.
The plan is to fly to Bilbao in Northern Spain, take the bus to Santander and overnight in the Central Albergue then set off walking the Camino Norte where we left off last year. We’ll follow that with a cheap flight down to Lisbon for no other reason than I’ve never been there before then either road, rail or air down to Albufiera on the Southern Coast of Portugal for Costa del Folk, our bi-annual fix of music. The name of the festival is a little misleading as the content is a broad mix of all genres and usually experienced whilst lying in the sun or with feet lightly dipping into an open air pool or drifting in and out of a rhapsody on a sun-bed. In short, it usually has the edge on wellies and brollies in a field of mud.
The Camino element is another leg for me and a joining up of different tracks for the Pilgrim as she has already done the Primitivo which is an offshoot of the Norte that hugs the coast.
    The sun is making an appearance as Bridie drops us at York Station and I, once again, look on in amazement at the machine that is our rail system. The bike racks on the station are full and I think of the emotional farewell to Otto yesterday and Kathy the day before. I’m not good with farewells, especially if you’ve no idea if you’ll see the person again.  Both Otto and Kathy were only meant to be acquaintances for a couple of legs of their Coast to Coast walks; however, the warmth and nature of both of them coupled with the adversity of two astonishing storms has created a far closer relationship with both of them and I feel a fleeting sense of loss. The train from York to Manchester Airport is quite full but we manage to get our seats although we’re told later that the reservation system has failed and as the carriage fills as we pass through Leeds and beyond we feel lucky.
Manchester airport is quite busy and they seem to be having issues with security as we’re redirected to another basement room where there are long, zig-zagging lines of people. The staff are upbeat and manage the situation well but it doesn’t detract from the fact that it’s a pain. 
The EasyJet flight was good and made up the time that was lost pre-take off so we arrive just about on time. On exit we make our way to the travel desk to acquire the bus ticket in to town, we need it as soon as possible as our coach to Santander will leave at 1700 whether we’re on it or not. There’s no need to worry in this instance as the journey takes less than half an hour and drops us at the same depot as the ALSA bus that will take us onwards, we even have time to visit a restaurant/bar!
The buses run like clockwork, usually bang on time and easily identifiable and even when you cock it up by trying to board the wrong one the driver couldn’t be more helpful in redirecting us.
  We’re in the Santander Central Hostel and at 25€ per person per night including breakfast it’s at the top end of albergue range but it’s clean and there are sheets and blankets. It’s full of other peregrines all with a single objective, to reach Santiago de Compostela at some point. 
My objective is to see the countryside and enjoy the weather, no more, no less and I’m looking forward to tomorrow. 
We reach the terminus and everything comes flooding back, the terminus is definitely in the middle of Santander and the Hostel is definitely not far away. It’s also not good value for money when you consider there are two of us and we’re housed in nothing more than an albergue facility; don’t get me wrong, I’ve payed £100 or £150 per night (or rather, the company has) but I draw the line at what is an over priced bunkhouse although Angel, the owner/manager seems friendly enough and everything is clean.
    We take advice for the bright lights of Santander and after a short wander we find what we’re looking for, a bar selling pinxos which is the Basque equivalent of tapas. A brief conversation in pigeon Spanish later and I establish that the tortilla is indeed ‘sin lactosa’ or without milk and, as a consequence, safe for me to eat. The Pilgrim goes for the heavy duty ‘con lactosa’ that includes blue cheese and a strange mix of caramelised onion that’s moe like a jam layer that sits between the cheese, the potatoes and the egg. After a few mouthfuls of both we establish that my traditional, reduced threat variety has the edge but both are devoured with relish along with more than one wine and cerveza (not in the same glass).
A couple of hours sets us up with the nightcap that is required and we settle in the dorm ready for me to give the other occupants the benefit of my nocturnal moose impersonations. 
The Pilgrim has taken the top bunk and hung a walking stick from a hook that’s been carefully screwed to the wall for the purpose of creating a handy resting place making it easily accessible for the prodding of the moose-man if/when the volume becomes worthy of a risk assessment and aurally damaging. She’s under strict instructions to avoid my face and genital areas, other than that, a prod could land anywhere – and does! She’s quite skilled at this and It doesn’t wake me up but does silence the moose impression for a while and by 2 am everyone is happy and asleep.
Tuesday
We get up late in the morning, it’s gone 0830 and we’re normally up and ready to walk by now but the weather is kind and unlikely to go over 24 degrees which means that walking at midday is entirely acceptable.
Breakfast is included in our fee and a couple of slices of toast later and we’re ready to roll.
The first part of the walk is through the suburbs of Santander and whilst it’s uninteresting in terms of scenery it is interesting how the city works. We’re also greeted many times by local people who recognise the rucksack and pained expression and greet us with the words ‘Buen Camino’. Literally, it means ‘good way’ but the extended meaning is ‘Have a good pilgrimage and may it go well’ it also makes us feel good and we reply with ‘Gracias’ or ‘Buenos Dias’ and it leaves us with a smile.
As we leave the city with the Parque del Dr. Morales on our right we note the traffic activity is reducing and within another 50 metres we’re on to a track that follows the railway giving us views of the mountain ranges in the distance.
It’s late morning now and the sun quite strong, we are passing through numerous tiny villages some of which are undefined save for the sign with the village name and a line through it to say we’re now leaving. Some of them consist of half a dozen houses spread out over a mile so it can be quite a surprise that we were ever in it let alone leaving it!
    There is quite a lot of road slog although there is little or no traffic then we arrive at the rather charmingly named Estacion de Boo and decide on taking the train to the next station. It takes about 4 minutes, covers about 3 miles and takes us across the river and this is the real bonus as it saves us the best part of 10 kilometres (6 miles) of following the river inland to get to a footbridge that is safe. There is another option and it is one that we were going to attempt. It’s against the law but the locals do it, they cross the river via a one-and-a-half metre wide foot-way next to the train track. The trains are purported to run every 30 minutes and it takes only 5 minutes on foot; however, on an arse-covering principle, I recommend that you DON’t use this as you could end up hurt, dead or locked-up – or an unpleasant mix of all three.
  We arrive at Estación de Mogro and the Pilgrim spots the yellow arrows pointing in the opposite direction what we expected but we take that route anyway as it runs parallel to the Camino which is on the other side of a significant hill but merges at a point 3 kilometres along the road. At the station we had covered 18km (11 miles)  and the map is telling us there are another 7km (just under 5 miles) to Cudon and it’s across some hills. The upside is the scenery and beautiful weather, the downside is another 7km!
    The Camino follows several roads that wend their way across the hills and some of the views are very special especially where the countryside allows us to see the Atlantic; it’s currently placid but it is the Bay of Biscay and getting angry is its only pleasure.
We’re at a junction when a Spanish man in one of those utility vehicles about the size of a bus opens his window to help. We’re OK with the directions but he confirms that we’re using the right route and also describes where the accommodation is that we need to be looking for, “Behind the Church”, he repeats and we nod our thanks. When people see the rucksack and the shell they respond with kindness and help that makes you feel good but the best is yet to come.
The next few kilometres is covered relatively quickly although we do take twenty minutes out to stop at a roadside bar to slick the dust.
It’s been a bit of a slog and we’re about ready to stop when we enter the hostal and ask about a room. 
“Los Siento, Completo”, (Sorry, we’re full), was the response and after 25 kilometres over a numerous hills under a full sun it wasn’t what we wanted to hear. 
Then something that happens only occasionally happened, “Espera aquí, por favor” (Wait here please). Then she rang a number of other hotels and found one that she then negotiated a “Pilgrim’s” price 45 euros for a double room (down from 65). She then got her husband up from his siesta and asked us if we’d like a lift!
The journey is across town and ends up being 7 or 8 kms which would be a 16 kilometre round trip. As we alighted The Pilgrim whispers I think that was a ‘brown’ journey referring to the colour of the ten euro note and I couldn’t agree more so I offered him the note as soon as he opened the rear door to retrieve our rucksacks…and he refused! I offered again and repeated “Quisiera” (I would like) but he was having none of it and refused again then he shakes our hands and wishes us “Buen Camino”) and is off. 
Such kindness and generosity are a feature when you travel and it saddens me when others are ripped off or robbed as we tend to find more positives than negatives. 
The hotel is more than adequate and the meal that we have is good value especially for a hotel so we’re smiling.
    Tomorrow is another day on the Camino Norte on the north coast of northern Spain.
Enjoy the snaps…G..x  
Camino – Santander to Viveda Monday Let the adventure begin. Six o´clock usually happens only once in the day, towards evening and getting up whilst it´s still dark is not one of my more enjoyable treats but I am a happy riser, at my age I´m just happy to wake up!
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ohlalannah-blog · 6 years
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The beginning — Boston/Barcelona
Hola/bonjour/hey y'all!!!!!!
I have had a really insane 2 weeks since my arrival in Europe and I haven’t even thought about blogging. However, I did it last year when I was in France and it was a great way for me to process the events and emotions I was going through, as well as a way to keep my peeps at home updated on ma life. But now that I am all settled into my new French apartment, I actually have some free time to write. So voila!! Welcome to my blog!!
Let me start off by explaining what I am doing here for those who don’t know. This year, I will be participating in a French program for foreigners at a large university in Montpellier, France. The program is designed to improve each student’s level of French to a point where they would be able to take normal college classes (taught in French) to pursue a degree. So my overall plan is to complete this year-long program, then eventually enroll in a university for an additional 3 years to get my bachelors. It will definitely be a challenge, but by doing this, I will be saving an insane amount of money (tuition is about $250 per semester) and mastering a second language. This past summer, about 90% of the money I earned working went into savings. I had to do a ton of paperwork (all in French, might I add), drive all the way to Atlanta and back for a visa appointment that lasted 10 minutes, hire translators on multiple occasions, and decide on an apartment without being able to even see it in person. This has definitely be a challenge so far and I don’t doubt it’s only going to get more difficult, but I think that all the work will pay off and that this will make for a really cool experience. 
I left home the first week of August, from where I flew to Boston. I was an emotional wreck the few days leading up to my departure and I cried a lot, especially when my Saltwater Cowboys pals threw me a going away party, when I had to say goodbye to my mama, and when my dad and brother dropped me off at the airport. Even though I was sad to leave, knowing that I was leaving behind an important chapter of my life, I also knew I was about to start a super exciting new one and I was looking forward to it! 
I had never been to Boston before, but after finding a very cheap flight from there to Barcelona (which is very close to Montpellier), I decided to make a little trip out of it. I stayed there for 3 days, and I did a good bit of exploring solo. I did a walking tour of the historical sites of the city on an app I downloaded on my phone, tried a lobster roll (apparently a very important aspect of visiting Boston), and went on a whale-watching cruise where we probably saw 7 or 8 humpback whales. It was actually one of my favorite things I have done in the past 2 weeks. I turned out really liking the city!! On my last day, I went to the airport in the evening to board my overnight flight to Barcelona.
I absolutely love flying, but I have never had such a god-awful flight in my life. I was in the very last row, in the middle section of seats, in the middle seat. The guy next to me had the worst B.O. I have ever smelled. Since I was in the back, I was right next to where the crew stayed, and they were required to leave the lights on. I was also right next to a bathroom which was fun. I probably got a total of 30 minutes of sleep. But the flight was $150, so I don’t know how much I can really complain…. 
I arrived in Barcelona on the morning of August 7th and I was very very sleepy but very very excited!! I had only been to the city once, but it was at the end of my France trip last year when I had absolutely no money left, so I usually just stayed at my hostel and hung out with the people there. This time, I had money and a great person to spend time with, so I was pumped to see the city. 
I was warmly greeted by my wonderful Colombian friend Jorge, who is now living in Barcelona. We spent the afternoon catching up and napping at his apartment so we would have the energy to explore the city in the evening. We went out for tapas, then bar hopping. It was really cool staying with a local because he knew all the cheapest, coolest bars and restaurants to visit. Some that we visited included a fairytale themed bar (looked like a Disney attraction inside), a record-themed bar with great music, and a bar with an actual skate park in the middle. However, our fun night took a turn for the worst when at one bar, when Jorge and I were a little too tipsy and very distracted, the next thing I knew, my purse and his phone disappeared off the table we were sitting at. Someone must have very sneakily picked them up from right next to us when they knew we weren’t looking.
We looked everywhere for our belongings and talked the bartenders to see if they had cameras (which they didn’t), and we eventually had to accept that our stuff was gone and we weren’t getting it back. It was a very sad way to end such a fun night—and a weird way to start my time Europe—but we tried our hardest to not let it get to us too much. The next day, we filed a police report just in case anything were to be turned in, but we didn’t have high expectations. In my purse, I had my brand new iPhone 7, wallet with drivers license and debit card, about 300 euros of cash, and 2 new pairs of headphones. Of course now, I feel like an idiot for having carried all that around with me to begin with. I was just really lucky that I took my passport out of the bag before leaving the apartment that evening. I would have been screwed!!!
Despite the unfortunate event, I still planned on staying with Jorge for a week before heading to France, I just had to depend on him for all of our expenses (with promises to pay him back of course). We had an amazing week exploring the city. More than anything, we walked around, did some sightseeing, ate greasy delicious Spanish food and drank at plenty of bars. (I definitely took advantage of being able to drink legally.) There were multiple occasions where we had intentions of doing “touristy things,” but instead, I forced him to watch New Girl with me over a bottle of rose. 
We had a really lovely time and I absolutely fell in love with Barcelona. Other than the robbery, the only negative part was the fact that I know no Spanish. I don’t know how I still don’t know any after having studied it for a year, spending 5 weeks in Colombia, and doing hours and hours of Duolingo, but I really suck at it. There were a few times we would meet up with Jorge’s friends and they would speak primarily in Spanish and I would just listen and understand as much as I could, but it was usually about 2% of the conversation. The trip definitely encouraged me to learn the language, especially considering I am only a 4 hour bus ride away from the city and 2 1/2 hours from the Spanish border. 
Even though getting my purse stolen sucked really, really, really bad, it definitely taught me a lesson about robbery in Europe. It’s not something we really have to worry about in Charleston, especially not Mount Pleasant, but it’s very common here and you always have to keep an eye on your things. It also was a reminder that bad things happen, you just have to keep your cool and remember you will be okay! It all worked out alright, even though I’m short a few hundred dollars, I survived!!!
Thanks for reading, and please contact me at any time by Facebook, WhatsApp, or by texting my old number (if you have iMessage I can still get them on my laptop). I love hearing from people back at home :) 
A bientôt,
Oh la lannah
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Question about newborn insurance coverage under the mother’s plan?
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With the birth of my first two children, any claims that were submitted to the insurance company for the first 30 days were paid under my plan. After that, I could elect to add them to my policy or not. I had a baby 30 days ago and they're denying his claims. I've called Humana (a new insurance for me since the birth of my first children) and they assured me that the claims for him would be paid, and that they would NOT add him to my policy (he has separate insurance). I was just at Humana's website searching for a provider (for myself) and it appears they've added him and made my deductible of $2,000 go up to $4,000 (family coverage). Is this correct? I thought it was state or federal law or something that newborns are covered under the mother's policy for the first 30 days. Can someone help?
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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Whats the cost of insurance difference between owning a GT mustang compared to a LX mustang?
Insurance regulations?
does the commissioner of insurance have the authority to govern foreign producers/ foreign companies. these are business entities that sell insurance in there state but there home office is in another?
Fleet Insurance?
Can anyone who has fleet insurance tell me roughly how much would it cost to insure 4 cars for a car rental business. i am doing an a level business studies project and need to know. thanks for your help!!!
How do i sue someone who doesnt have car insurance?
Last year I had a car wreck. The other diver ran a red light and my SUV done a roll and a half we were upside down after it happend. My teo kids were in the car. he totaled my 2005 ford explore, and then he said he had no insurance i have never been in a wreck so i dont know what to do. Now my doctor bills and the want the payout of the car. What do i do?""
How much is lowering a car likely to cost on insurance?
how much is it likely to increase insurance by replacing the springs with a Spax piece of kit?
Who do you trust more? An Insurance company? or Obama?
The right wingers will chose blindly! But think about this! Prior to the Affordable Healthcare Act, how many times in a row, year after year, did your health insurance coverage go up. For me, it was every year for as long as I remember. Never did my insurance premium go down. But for some reason, everyone is up in arms because a few people, a small percentage have rate increases. But they also get more coverage, better policies, and some can get insurance for the first time.""
""I need health insurance and live in Southern CA- what is GREAT insurance? Aetna, Blue Cross, Kaiser, other?
I'm OK paying $200-250 a month. I just want to make sure I have access to great care without a big runaround. I think PPO sounds good b/c I've heard HMO's can jerk you around sometimes. I'm very athletic so I want to know that I can see a specialist right away if necessary. Any help would be greatly appreciated!
Car Insurance rates for a new driver.?
Hello so my question is what kind of apr would a driver around 19 or 20 get for a new car, i am looking at a Toyota Corolla, with no preexisting credit. I understand that I would need a cosigner and that is not an issue. I would just like to see what type of apr I should be expecting so I may save and plan accordingly. Thank You.""
Do porches have the most insurance rate?
Do porches have the most insurance rate?
""Can I register a car in Florida with ny license, insured by someone with fl license?""
I have a ny license, wife has a fl license, we live in ny, can we register the car in Florida? Her name is not on the ownership title, would it help of it was? The car will be insured by her with me as a driver""
Insurance differences based on Gender?
I'm curious... If insurance companies made you pay a different amount of Insurance on your Car based on race, would that not be racist ? ie. How does this differ from Women and Men paying different Insurance rates ? How is that not Sexist ?""
Question about newborn insurance coverage under the mother's plan?
With the birth of my first two children, any claims that were submitted to the insurance company for the first 30 days were paid under my plan. After that, I could elect to add them to my policy or not. I had a baby 30 days ago and they're denying his claims. I've called Humana (a new insurance for me since the birth of my first children) and they assured me that the claims for him would be paid, and that they would NOT add him to my policy (he has separate insurance). I was just at Humana's website searching for a provider (for myself) and it appears they've added him and made my deductible of $2,000 go up to $4,000 (family coverage). Is this correct? I thought it was state or federal law or something that newborns are covered under the mother's policy for the first 30 days. Can someone help?
Car insurance ? add another car?
my wife got a 1995 i already got full coverage how much will it be to add her car?
Who here doesn't have health insurance and doesn't want it?
Everyone, which of the following do you fit it: (1) I have health insurance and want to keep it. (2) I have health insurance, but plan to get rid of it. (3) I don't have health insurance, but wish I had it. (4) I don't have health insurance and don't want it. I think that covers all possibilities.""
""I'm moving to another state. How long do i have to get proof of insurance, new drivers license, etc?""
How long do i have to complete the entire process of getting new proof of car insurance, attaining a new drivers license, registering my vehicle, and getting new license plates? I have looked on the dmv website and i am more confused now then before checking the website. The website claims you have 60 days to get your new drivers license but, you have 30 days to have your vehicle registered. This cannot make any sense because in order to have your vehicle registered you must have a valid drivers license in that state (at least for the state i'm moving to). Can someone shed some light on this topic and how long on average an individual has to complete this entire process? thanks!""
Does high mileage cars have lower or higger car insurance?
Does high mileage cars have lower or higger car insurance?
Car Insurance for a 2004 Mustang?
Im about to be 15 and im starting drivers ed next week and I was looking at cars and I really want a 2004 mustang. I live in a small town, im a girl, and my parents have Allstate. About how much would it cost me?""
How do i know what my car insurance covers?
I recently got into a car accident, just yesterday. There was 3passeners in the car. I, one of the 3. My sister who is 21 was driving the '99 Ford focus. It was not her fault. we were at a four way intersection and had a green light to go. Everyone was stopped besides our light going south &the other going north. An elderly woman on the right hand side who was going to turn, crashed into my side. (The passenger front, as well as the back door.) It is all crashed inward. We then hit a palm tree on the side of the road and landed on top of it. Some yellow/green fluid leaked out. Us 3 passengers in the Ford taurus all went to get checked at the hospital. We are all fine. But now we have no idea what to do with this wrecked car, that has now been towed. The Ford Taurus we were in, only has liability insurance. how will the car be fixed or can it even get fixed? This car accident all took place in Avon park, FL. The car we were in has Insurance from Michigan. Since that is where my father and his girlfriend purchased the car last year. The insurance &everything is under his girlfriends name. So Shes the one who said it only has liability insurance.""
Looking for health Insurance options in the State of Washington.?
I'm self employed and researching health insurance options. I live and work in the state of Washington. Any good, affordable options?""
Insurance problems with car theft?
a friend of mine is an american citizen living in Juarez, Mexico because of his wife is a Mexican citizen that can't cross until her papers are finalized.. So he works here and goes back to Juarez for the night and comes back in the morning.. the other day on his way home.. he stopped at the store and when he walked out.. someone stole his truck.. he called the police and reported a stolen truck but with no info given about himself or the truck, just merely a black suburban... now he's back in the states.. and wants to report it stolen here from a friends house or something... not at a store because walmart has video cameras in their parking lots.. so how can he proceed in doing this.. he doesn't want to cause insurance fraud but he has nothing left besides his truck.. if he tells the insurance company it was stolen across the border, there is no policy on where it was stolen, so Juarez, Mexico is out of their jurisdiction.. how can he do this without getting in trouble.. he's worried about the border itself.. because they snap a photo of you coming into the united states.. but do they snap a photo of you when they get out? any info on what he can do to help his situation would help so much.. thank you""
Added my newborn to my insurance after 30 days?
help ! after i had my new baby things wre so hectic for me. he had jaundice and in and out of doctors.. my toddler had dental promblems . i had post partum issues myself and by the time i called to add baby to insurance it was abt 12 days after the 30 day period . my insurance is united healthcare thru my previous employer that im currently on cobra with.. they denied adding my newborn and said they wll send me a letter so i can appeal but im afraid that wont help . any advice on what i can do .. i cant imagine nt hvng insurance for my baby..especially we just got home from the hospital yestrday bcz he has broncholitus .. so i wl be billed for that . i know i called to add him late but hopeflly there gtta be something i can do. i means its for a child i live california .. any advice on how to handle this
Is auto liability insurance mandatory in Texas?
I know it is mandatory in NYC, but not in all states. Is Texas one of the states where it is not mandatory?""
If I have secondary driver Insurance on my Dads car. Am I still covered on our other car aswell?
My Dad put secondary insurance on his car (that I pay) so that I can use it. But he never lets me use it because he takes it to work everyday. But my Step Mom has her car here, and my dad tells me I can't use it because my insurance only covers his car. Is he just being a douche?""
How much will my monthly payment and insurance be for a sports car?
im trying to figure out how much my car insurance will be. im 17, ive never owned a car, have no credit history and i want to buy a 1990 toyota supra which is a sports car. the car will probably cost $5000. i just really need to know how much i can expect to be paying a month with insurance and monthly payments""
I need to how much car insurance will be ?
Im 19 years old an i live in topeka ks. im goin to be gettin a 1994 camaro i want to no how much the car insurance will be since it is a sports car
Insurance for a renault twizy for a 17 year old male?
i'm 17 and looking to buy a car, would like to get something cheap to insure. i still haven't passed my test but i am not far off it. im looking for something cheap and a bit different, the renault seems to be both. i have no idea how much it would cost to insure though? anyone have any idea?""
Globe life insurance?
how reliable is globe life term life insurance.. and just what are the terms ..
Car Insurance...????
How much would it be for a 16 Year old boy to be added on his parents insurance policy... Completed Drivers Ed Lives in Baltimore, MD Has really good grades It would be liberty mutual if that helps... thanks!""
Why is my car insurance soo expensive!?
about a month ago i got a quote from Quinn Direct for 584 but i wasn't 17 yet so couldn't get insurance.. Now Quinn is over 1500 for my insurance and the cheapest i can find it is just under 1000 I will be taking my test january 23rd and getting insurance then.. Can anyone reccommend an insurance company that is good with teenagers and new drivers? Thanks
Becoming car insured in Ontario?
Recently I just acquired my G2. I am an almost-17 year old male, and I wanted to try to clear up a few questions about insurance before going to get some quotes. Firstly, would it be possible for me to have my own separate policy? With my own car - that's how my dad wants it apparently... I know it would be expensive..but I would probably end up choosing only liability coverage. Secondly, would it be possible to somehow prove to the insurance company that I am more responsible than the average stereotypical 17 year old male in hopes of lowering insurance? For example, can high school marks play a factor? I've heard about something like this, although I don't know if it applies to our provincial policies. I know the other factors, such as having a 4 door used sedan, in-class driving course etc. can also help lower the cost. All help is appreciated, thanks!""
Where Can I get Cheap Car Insurance?
I am currently a full time student and I am trying to find Car insurance that won't cost me an arm and a leg. The cheapest quote i have gotten is 2052 (full license) yet im certain i could get it cheaper... I am looking to get a Citroen Saxo, 3 door, as they are meant to be a good first car and cheaper insurance, yet i don't call that cheap! Direct line has put their prices for young drivers up to a minimum of 3000 and the car is only worth 850! I will be the main driver of the car, if not the only driver and as my parents have polices with companies that won't put me on as a named driver I'm screwed. Im 17 year old boy and can't really afford to pay that much.... Anyone know where i can get a reasonable quote from. I expect it to be high but that much - wow Best quote came from Quinn direct""
For how many traffic ticket you get before insurance rate increase?
i had a speeding ticket 3 yrs ago and it was dismissed after one yr. now i just got another red light ticket. will my insurance consider this red light ticket as second ticket or first and will they increase rate?? and for how many traffic ticket you get before insurance rate increase?
Will my insurance skyrocket after this ticket?
I got my first speeding ticket the other day.. 70 in a 50. I'm 20 and only a few months away from turning 21 (when rates go down a little). I know there are other things that factor in to this but how much can I expect my insurance rates to go up? Should I pay the court fines and just request supervision to keep it off of my record?
Cheapest car to insure for first driver 17?
i want to be drivign this year but the insurance is crazy! i looked at a 1l corsa 1litre is one of smallest engines you can get and its 5k a year so what cars are cheap to insure at 17 and a roughly figure? i dont want any ridiculous cars such as fiat panda smart car ect if im paying so much i want it to be semi nice the ford ka is also abit to feminim for my liking i like minis golf polos 106 corsas astras those type of cars cheers :] would really appreciate the help cheers joe
Motorcycle insurance?
can someone recommend me to a good motorcycle insurance. Thanks
2 door sports car insurance costs?
I've been seriously looking into purchasing a 06 Hyundai Tiburon or an 04 Nissan 350z. I'm 18, and everytime I mention it to my parents, they ALWAYS bring up the fact that we ...show more""
Does the insurance company have to pay me because my car is less valuable after getting repaired?
I have a 2005 VW Jetta TDI with 112,000 miles. It was hit in the front (not my fault) and did $7,100 worth of damage. It is repaired but if I go to sell my car it will obviously be worth much less because of a bad carfax report. It's not fair to me, so the insurance company should give me about $1,000 for the lost value. I called the insurance company and they gave me the run around and said the value is the same and argued with me. What do I do to get the money?""
Question about newborn insurance coverage under the mother's plan?
With the birth of my first two children, any claims that were submitted to the insurance company for the first 30 days were paid under my plan. After that, I could elect to add them to my policy or not. I had a baby 30 days ago and they're denying his claims. I've called Humana (a new insurance for me since the birth of my first children) and they assured me that the claims for him would be paid, and that they would NOT add him to my policy (he has separate insurance). I was just at Humana's website searching for a provider (for myself) and it appears they've added him and made my deductible of $2,000 go up to $4,000 (family coverage). Is this correct? I thought it was state or federal law or something that newborns are covered under the mother's policy for the first 30 days. Can someone help?
How long does insurance company have to respond to a claim?
Was in wreck w/semi-truck in Oct.. Driver took pic of wreck and brought back w/him. His insurance will not respond to lawyer. How long to they have to respond. If anyone knows, about average amount a trucking company will pay. They found out I have nerve damage to right leg-may not ever be able to return too work. Thanks for any input.""
How much is MOTORCYCLE INSURANCE?????
I am 18. I want to get a sports motorcycle. How much will my insurance be?
Insurance over 20 thousand !?
I have passed me driving test about a month ago now, and since then i was trying to look for car insurance. I have 1.2 Fiat Punto 2000reg, paid 700 for it. I have tried loads of different car insurance company's online and most of them give me like quotes of 24211.84, that was Confused.com :( or they just say we couldn't provide you with one... So i was thinking could that be some kind of mistake because all my friends who just passed there test paid 3000 or less. Any advice of what could i doo, maybe i should just ring some company's ?""
How much do you pay for insurance? What kind of car?
How much do you pay for insurance? What kind of car?
Health insurance for college student?
I'm currently a full time college student at 19 years old and looking for affordable decent health insurance. I don't work right now either and am still paying off a 2k dental bill with the money i had... (sigh) any good plans? (im in southern california by the way)
What's the best car insurance company? Your experience?
I just purchased a new car and my family and I have about 4 cars currently under farmers insurance and pays way over $200 on car insurance...the dealer at the agency mentioned that he bought the same car and has 4 other cars with Nationwide and pays under $200 full coverage. In your experience and in your opinion from what you know or have experienced which insurance companys over the best service for your buck or offer great options. I think we are paying a lot and the options aren't that great. Thanks
Is insurance cheaper when you live in a built up area or in the countryside?
Is insurance cheaper when you live in a built up area or in the countryside?
Can I dispute my insurance adjuster's estimate of value of a totaled vehicle?
I have a vehicle which was totaled. Insurer is Progressive. I live in WA, so the adjuster is not allowed to use NADA or KBB to determine value. He's supposed to provide fair market value. He got two estimates, both of which seem very low to me--less than half the replacement cost of a vehicle from the same year in the same condition. I've asked whether I can submit Craigslist listings from my half of the US to prove the value is higher. He says any documentation must be from within 150 miles of my home, which puts me at a disadvantage since I live in a rural area. I'm wondering: 1) Is my insurance company obligated to accept competitive estimates of value in determining my vehicle's value if I can find local shops that determine that the value is higher? 2) What mechanisms are in place to ensure that value estimates made by dealers are accurate, and can a dealer's estimate of value be disputed? 3) What other options do I have if my adjuster refuses to budge on value?""
How much is full coverage for auto insurance cost monthly usually ? ?
I was thinking about financing a 2000 nissan maxima but im not sure if its a good idea because of monthly car payments and car insurance plus if it breaks down idk what I would do. I just need to know how much is full coverage for auto insurance usually cost per month or is there something cheaper I can get other than full coverage.
How much will my insurance go up...only airbags deployed...?
My airbags deployed...I had a relatively low speed bump, rear-ending another vehicle...there was minimal cosmetic damage to my front end and ZERO damage to the car I bumped. I currently pay about 300 every 6 months.....my deductible is 250...how much will my insurance increase if I ask the insurance company to pay to fix this....it is a 2000 oldsmobile. Any thoughts...""
How many cars can you have insurance on?
I have a permit, No drivers license the only way I will learn how to drive and get a license is if I buy my own car. My mother ( the asswhole ) has three cars already and uses her insurance.. is there a limit on how many cars your allowed to have insurance on?""
""Just got 3 tickets, how much does insurance rise?""
I was driving 79(the cop said this, i realy was not going this fast) in a 50 and got a ticket for that. I have a provisional license(I am 17) and had a total of 2 passengers who were not supposed to be in the car(including myself there were 4 people in the car). I also did not have the red sticker on my car. I live in New Jersey. This is my first offense. How much will my insurance rise? I get 4 points for the speeding, and i do not believe any others because points are for moving violations. 220$ for speeding, I believe 100$ for the red sticker, and I have no idea for the extra two people. They are minors, and no i did not get reckless driving.""
What do they test for when getting Life Insurance?
I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal?""
Why can't i get cheap car insurance?
i recently passed my driving test and i'm thinking of buying a cheap 1000cc car but every site i check i can't get anything less than 6000 a year even tho the car is like 600. i even have pass plus..
How much would a new driver expect to pay for their car insurance (UK)?
I'm 16 and will soon begin driving lessons, and every company I go to online to find a quote asks for my name and address, and until I need the insurance i'm not going to enter them. Does anyone have an idea how much a 17 year old would expect to insure a first car (something small like a Vauxhall Corso, Renault Clio et al)?""
How to select health insurance in the US?
I recently moved back to the states after living overseas for an extended period of time. I've started working as an independent consultant and need to find/sign up for health insurance. I've done a bit of internet research and contacted the groups I'm familiar with in the area I live, but it all seems absurdly expensive. What's the right way to approach finding an affordable plan that suits my budget and lifestyle?""
Auto insurance company wants to check my credit and past infractions.?
My auto insurance company (which i've been using for 6 months now) wants to check my credit history and past infractions in order to benefit from new lower rates i have good credit, but a couple of speeding tickets, could this actually increase my rate?""
Car insurance - Seonnd driver ? How does it work?
I have just got my full UK driving license. I am looking to buy a car. I know that if I buy car the insurance right now will be high as I am 23 years old new driver. I was told to put the car on my auntie's name and get insurance as second driver. But does that mean that my auntie will have to pay for her insurance too as the main driver?!? She already has her own car & insurance will she have to pay another insurance if I do put the car on her name and be second driver? Please let me know Thanks K
Can someone with a DWI that is 5 years old get non-owners insurance and legally drive someone's car?
Or better yet, if they get their own insurance in the state of NC male, 28, employeed part time get a insurance that is not at a high rate even with the DWI?""
What are the local home insurance rates for London?
I am trying to do a project for a public health class and I was wondering what the home insurance rates for someone owning a home in London? It would be awesome if you knew about how much it cost around the Tower Hamlets area. Also, if you do know about what percentage of people have home insurance in London, that would be greatly appreciated. Thank you!""
How much would car insurance typically cost for a first time driver with a used car?
I'm almost 18 and will hopefully be driving soon and I was wondering how much I would pay for car insurance for a used car? I'm not looking for a normal teen car, I'm looking more for a very child friendly safe vehicle for me and my son. Generally what am I looking at price wise either per/month or yearly for insurance?""
Where can I buy afforadbale individual dental insurance?
Where and how much? For one.
Term Life Insurances-Nicotine and insurance testing?
I am about to take a blood test for a term life insurance policy. I smoked a cigar about 10 days ago, and about 4 dips of snuff per week (for the past several months). Do they test for nicotine or some other chemical in tobacco to verify if I am a smoker or not? A friend of mine tested positive for smoking and he had smoked a cigar about two months previous...can they test that far back on a blood test??? Thanks""
Insurance on a 06 mustang?
I'm going to be 18 soon and I'm interested in an 06 mustang.. Even though I'm legally an adult, I'm pretty sure my insurance will be as high as a 16 year old. This would be my very first car.. How much do you think the insurance would be? I have AAA. Any other cars you could suggest to me?""
Car insurance HELPPPPPPPPPPPPPPPPP?
how much money would car insurance be on a alfa romeo giulietta turismo in white from brand new out of the show room this year on a woman driver at the age of 17 cost ???
Question about newborn insurance coverage under the mother's plan?
With the birth of my first two children, any claims that were submitted to the insurance company for the first 30 days were paid under my plan. After that, I could elect to add them to my policy or not. I had a baby 30 days ago and they're denying his claims. I've called Humana (a new insurance for me since the birth of my first children) and they assured me that the claims for him would be paid, and that they would NOT add him to my policy (he has separate insurance). I was just at Humana's website searching for a provider (for myself) and it appears they've added him and made my deductible of $2,000 go up to $4,000 (family coverage). Is this correct? I thought it was state or federal law or something that newborns are covered under the mother's policy for the first 30 days. Can someone help?
https://www.linkedin.com/pulse/do-you-liability-car-insurance-full-coverage-yolanda-jones"
0 notes
touristguidebuzz · 7 years
Text
Lastminute.com Group CEO: We Consider Ourselves a Media Company
Lastminute.com Group Chief Executive Fabio Cannavale. The company started life as an Italian flight search engine but is now active in 40 countries. Lastminute.com Group
Skift Take: It's clear from his answers that Fabio Cannavale will keep looking to buy more companies. He thinks there are plenty of companies for sale and he's got some cash on hand.
— Patrick Whyte
Lastminute.com Group chief executive Fabio Cannavale has spent the last 13 years transforming a small, low-cost flight search engine based in Italy into a pan-European travel company.
Through a series of acquisitions, the company moved into new countries as well as new areas including package holidays and metasearch. The defining moment came in 2015 when Bravofly Rumbo Group, as it was then known, bought faded dot-com darling Lastminute.com for next to nothing from previous owner Sabre.
Cannavale renamed the parent company Lastminute.com Group and he embarked on a new strategy with a content arm now working alongside its online travel agent and metasearch divisions.
Cannavale recently sat down with Skift to discuss the changes at the business and where it sees its biggest opportunities.
(Note: the interview has been edited for brevity and clarity.)
Skift: Let’s look at the Lastminute.com Group as it is now and the story behind it. In the UK and in America, a lot of people are familiar with Lastminute.com, but your company is very different now.
Fabio Cannavale: Our company started out being a very transactional company. By that I mean the background of the founders is that we co-founded eDreams before, so we knew the arena. Then, we saw an opportunity in low-cost flights because there was no one doing that. [Editor’s note: Cannavale worked at eDreams Italy between 1999 and 2001; prior to that he worked as a consultant.]
Skift: Apart from booking direct.
Cannavale: Yeah, but it is not a solution especially when there are so many airlines. On 25 percent of our flight bookings you go with one airline and come back with another one.
This allows us to grow from zero to a good size. Totally self-financed. So we started with 10,000 euros, we were profitable from day one. Then we grew.
Skift: Which brand was that?
Cannavale: Volagratis. Italian flights, only low-cost and we added normal flights, then we had to expand in other markets, like France, Spain, and Germany. Then we bought Rumbo. That was a little bit more of a generalist OTA [online travel agent] so it’s where we started to have hotels and we became a little more, say, generalist because at the end, we saw that was this opportunity. Then we bought metasearch because we thought that metasearch is a booming business. So at the time we bought Jetcost it was about 8 million euros ($9 million) of revenue. This year we’ll be around 60 million euros ($67 million).
Skift: Do you see metasearch as being your future?
Cannavale: I don’t know if it is our future. I think our future is not really only metasearch, it’s probably the packages – that is the business that is growing more. But metasearch, I think, is a good trend. Then I think that basically in the future, metasearch and OTA will merge as a type of business. But for the customer, it doesn’t make any difference. It’s just that today, metasearch has a better pricing proposition, that’s why it grows more.
Skift: Taking a step back again … After you bought Jetcost, then you moved to Lastminute.com, I guess?
Cannavale: Firstly, we understood that really in the future it would be valuable to have flights-plus-hotels, making a package. We started to develop our own technology to do the packaging and to be our tour operator because that is where really there is an advantage. It is localized in Europe, because you get bulk fares for flights, bulk fares for hotels, and so again, you can get a good package and it’s a traditional market in Europe because you still have TUI/First Choice. It is a huge company. We saw this opportunity and Lastminute was available to be bought; it was a very good company because it was 70 percent packages and hotels.
Skift: It’s got a very familiar name in the UK, a very well-known brand, but it wasn’t profitable, really, ever.
Cannavale: Lastminute.com was a very nice company but they never made a profit in their life until this year. But we [Bravofly Rumbo Group] did almost 30 million euros [$30.4 million] of EBITDA.
Skift: You think it was a case of just having the right proposition?
Cannavale: I mean, we bought a company with 650 employees. Today, we have in London only 150. Then Paris, Bangalore, so probably we keep about half, less than half of the employees so 300, more or less. Then, about technology, we took out everything. We just threw away almost everything. We just kept one thing of Lastminute. That is the back end for hotels.
Skift: So what did you buy it for?
Cannavale: For the brand and for the traffic. Again, this is the synergy. Again we saved 40 million euros ($45 million) in one year because of that.
In the UK we’ve grown now in packaging, we’ve grown probably in two years about 30-40 percent despite the pound going down. It means that our platform performs better than the Lastminute one.
Skift: It’s an interesting model because you’ve got different businesses doing different things. You’ve got your online travel agent, your metasearch, tour operating and you’ve recently got involved in the media side. You bought the assets of a company called WAYN. What is the media side of things? Could you define that to me?
Cannavale: We consider ourselves a media company more than a travel company. So people come on our site and they need to have relevant content. Relevant content can be  content provided by social media, relevant content could be metasearch, it can even be a lot of branded content that we are producing that people maybe are interested in.
The point is in this kind of business, 2 percent of the people on average buy something. Ninety-eight percent are not buying, but we also have to provide something for these people. Three years ago, probably the non-OTA revenue was around 0 or 5 percent. Last year we had about 25-30 percent of the revenue not coming from OTA.
Skift: That could be metasearch and media?
Cannavale: It’s metasearch and media. Metasearch is growing very well. Media, what does it mean? This is also why we need WAYN, we need content. Having an audience, you have to really to target that audience and to give to each one what they really need.
Skift: You need to know the people well?
Cannavale: So we don’t sell anymore at campaigns on the site. Five years ago, we were selling just banners, so we’d put the banner and that’s it, zero. Both in segmentation of the newsletter and whatever we do on the side, we sell audience profiles. So you want as advertisers these kind of people, OK, I give you these kind of people. If these kind of people are interested in what you’re selling, I think there is a good match.
Skift: What kind of advertisers do you have?
Cannavale: We have 60 percent in sector, so travel, 40 percent outside travel that we have from car companies or telecommunications and then we try also to expand our audience. For example, for us, WAYN is our content factory, we call it a content hub. So it’s the people that really help us to make the content and manage all the activity in content. Then we do also new kinds of activity like now we have a partnership with Spotify. It’s also a content activity. It’s just to give new content. All this is kind of creating something that excites and inspires our customers.
Skift: You seem to me very good at picking up bargains when you buy companies. Lastminute.com was a bargain. WAYN was a bargain. I don’t know how much Jetcost cost, but maybe it was a good deal?
Cannavale: No, Jetcost was expensive. I mean, it depends how they look because for Jetcost we paid a lot in shares. So again, it depends also which is the price for shares because the IPO was very expensive. Today it’s very cheap. Even if we’re trading, we are an entrepreneurial company where 40 percent is still owned by the founders, so it is our own money. Me and my partner.
Skift: What’s the decision behind the listing? Was that just to get more funding?
Cannavale: We had some small shareholders. There was, I think, a very good opportunity to fund the company, to have a secondary exit for some people.
Skift: And the acquisitions?
Cannavale: When we can, we try to buy at a bargain, I agree. Sometimes we make mistakes, like for example last year we wanted to buy Unister. That also was a bargain. It was a very funny story because we offered 20 million euros ($22 million) in September. This company declined an offer of 600 million euros ($672 million) two years ago. One year and a half ago we were very close to buying it for 100 million euros ($112 million). In September, we brought forward this offer of 20 million euros ($22 million). The administrator, he said: ‘No, you have to give me 30 million euros ($34 million).’
We said 30 million euros ($34 million) is too much because it was not very clear how it was going, and then we offered in the end after two months 70 million euros ($78 million), but another company bought it for 75 million euros ($84 million). At the end we are looking at everything. We have a very structural M&A activity. For example, we paid a lot for Rumbo because we paid 80 million euros ($90 million). In the end, it depends. I think we have a good team, we have a very structured team. This year we did an acquisition in Italy for Gartour. That really is not yet an acquisition because it’s renting the company in order to buy. Now there are plenty of companies for sale, plenty of opportunities. We have more than 70 million euros ($78 million) of cash.
Skift: What kind of acquisitions would you look at? Would it be metasearch or an online travel agency?
Cannavale: We are doing a very small acquisition in metasearch. As I said, Germany is a target for us. We lost last year; now there are other good opportunities. Then additional product. We think we have the audience, we have to give to them the right products. Flash sales is something that we are very interested in. This year we were unlucky because we lost two acquisitions. One I think I will regret. The other is VeryChic. I think was too expensive, but VeryChic was a good company. It does flash sales in France, Spain. [Editor’s note: AccorHotels bought VeryChic for an undisclosed figure.]
Skift: Let’s talk about the big competitors and huge companies you’re competing against — Priceline, Expedia I guess. How can you compete with them?
Cannavale: Booking.com is not a competitor, we have a very good partnership with Rentalcars, that is a Priceline company. We have a good partnership with Kayak as a source of traffic. So I see all the Priceline Group more like a partner than like a competitor.
Expedia it’s true, that is a competitor. I mean, if you look at the business we do together with Expedia it is flights and packages.  In western Europe it’s true that they’re bigger, but they’re not so much bigger than us and we think maybe in dynamic packages we even have a better solution. In dynamic packages, we are probably one of the largest, maybe after Expedia the second largest in Europe with a good solution. Because we have a lot of local competitors like Promovacances in France, which is the largest. We have On the Beach in the UK, we have Unister in Germany, we are the biggest in Italy. At the end, I think we’re the only one present in all these countries and I think there is a good of economy of scale. Then in flights there are two competitors that are very good, that is eDreams and eTraveli.
Skift: Both eDreams and yourselves have both come up against Ryanair in legal proceedings. They see things very differently than you. You offer flights with them and maybe the return flight is with Easyjet. Is that what the travelers prefer?
Cannavale:  I mean, for the traveler, it depends.
The starting point should be someone that gives everything. It could be Google, could be metasearch, could be whichever, but at the end you have to compare.
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rollinbrigittenv8 · 7 years
Text
Lastminute.com Group CEO: We Consider Ourselves a Media Company
Lastminute.com Group Chief Executive Fabio Cannavale. The company started life as an Italian flight search engine but is now active in 40 countries. Lastminute.com Group
Skift Take: It's clear from his answers that Fabio Cannavale will keep looking to buy more companies. He thinks there are plenty of companies for sale and he's got some cash on hand.
— Patrick Whyte
Lastminute.com Group chief executive Fabio Cannavale has spent the last 13 years transforming a small, low-cost flight search engine based in Italy into a pan-European travel company.
Through a series of acquisitions, the company moved into new countries as well as new areas including package holidays and metasearch. The defining moment came in 2015 when Bravofly Rumbo Group, as it was then known, bought faded dot-com darling Lastminute.com for next to nothing from previous owner Sabre.
Cannavale renamed the parent company Lastminute.com Group and he embarked on a new strategy with a content arm now working alongside its online travel agent and metasearch divisions.
Cannavale recently sat down with Skift to discuss the changes at the business and where it sees its biggest opportunities.
(Note: the interview has been edited for brevity and clarity.)
Skift: Let’s look at the Lastminute.com Group as it is now and the story behind it. In the UK and in America, a lot of people are familiar with Lastminute.com, but your company is very different now.
Fabio Cannavale: Our company started out being a very transactional company. By that I mean the background of the founders is that we co-founded eDreams before, so we knew the arena. Then, we saw an opportunity in low-cost flights because there was no one doing that. [Editor’s note: Cannavale worked at eDreams Italy between 1999 and 2001; prior to that he worked as a consultant.]
Skift: Apart from booking direct.
Cannavale: Yeah, but it is not a solution especially when there are so many airlines. On 25 percent of our flight bookings you go with one airline and come back with another one.
This allows us to grow from zero to a good size. Totally self-financed. So we started with 10,000 euros, we were profitable from day one. Then we grew.
Skift: Which brand was that?
Cannavale: Volagratis. Italian flights, only low-cost and we added normal flights, then we had to expand in other markets, like France, Spain, and Germany. Then we bought Rumbo. That was a little bit more of a generalist OTA [online travel agent] so it’s where we started to have hotels and we became a little more, say, generalist because at the end, we saw that was this opportunity. Then we bought metasearch because we thought that metasearch is a booming business. So at the time we bought Jetcost it was about 8 million euros ($9 million) of revenue. This year we’ll be around 60 million euros ($67 million).
Skift: Do you see metasearch as being your future?
Cannavale: I don’t know if it is our future. I think our future is not really only metasearch, it’s probably the packages – that is the business that is growing more. But metasearch, I think, is a good trend. Then I think that basically in the future, metasearch and OTA will merge as a type of business. But for the customer, it doesn’t make any difference. It’s just that today, metasearch has a better pricing proposition, that’s why it grows more.
Skift: Taking a step back again … After you bought Jetcost, then you moved to Lastminute.com, I guess?
Cannavale: Firstly, we understood that really in the future it would be valuable to have flights-plus-hotels, making a package. We started to develop our own technology to do the packaging and to be our tour operator because that is where really there is an advantage. It is localized in Europe, because you get bulk fares for flights, bulk fares for hotels, and so again, you can get a good package and it’s a traditional market in Europe because you still have TUI/First Choice. It is a huge company. We saw this opportunity and Lastminute was available to be bought; it was a very good company because it was 70 percent packages and hotels.
Skift: It’s got a very familiar name in the UK, a very well-known brand, but it wasn’t profitable, really, ever.
Cannavale: Lastminute.com was a very nice company but they never made a profit in their life until this year. But we [Bravofly Rumbo Group] did almost 30 million euros [$30.4 million] of EBITDA.
Skift: You think it was a case of just having the right proposition?
Cannavale: I mean, we bought a company with 650 employees. Today, we have in London only 150. Then Paris, Bangalore, so probably we keep about half, less than half of the employees so 300, more or less. Then, about technology, we took out everything. We just threw away almost everything. We just kept one thing of Lastminute. That is the back end for hotels.
Skift: So what did you buy it for?
Cannavale: For the brand and for the traffic. Again, this is the synergy. Again we saved 40 million euros ($45 million) in one year because of that.
In the UK we’ve grown now in packaging, we’ve grown probably in two years about 30-40 percent despite the pound going down. It means that our platform performs better than the Lastminute one.
Skift: It’s an interesting model because you’ve got different businesses doing different things. You’ve got your online travel agent, your metasearch, tour operating and you’ve recently got involved in the media side. You bought the assets of a company called WAYN. What is the media side of things? Could you define that to me?
Cannavale: We consider ourselves a media company more than a travel company. So people come on our site and they need to have relevant content. Relevant content can be  content provided by social media, relevant content could be metasearch, it can even be a lot of branded content that we are producing that people maybe are interested in.
The point is in this kind of business, 2 percent of the people on average buy something. Ninety-eight percent are not buying, but we also have to provide something for these people. Three years ago, probably the non-OTA revenue was around 0 or 5 percent. Last year we had about 25-30 percent of the revenue not coming from OTA.
Skift: That could be metasearch and media?
Cannavale: It’s metasearch and media. Metasearch is growing very well. Media, what does it mean? This is also why we need WAYN, we need content. Having an audience, you have to really to target that audience and to give to each one what they really need.
Skift: You need to know the people well?
Cannavale: So we don’t sell anymore at campaigns on the site. Five years ago, we were selling just banners, so we’d put the banner and that’s it, zero. Both in segmentation of the newsletter and whatever we do on the side, we sell audience profiles. So you want as advertisers these kind of people, OK, I give you these kind of people. If these kind of people are interested in what you’re selling, I think there is a good match.
Skift: What kind of advertisers do you have?
Cannavale: We have 60 percent in sector, so travel, 40 percent outside travel that we have from car companies or telecommunications and then we try also to expand our audience. For example, for us, WAYN is our content factory, we call it a content hub. So it’s the people that really help us to make the content and manage all the activity in content. Then we do also new kinds of activity like now we have a partnership with Spotify. It’s also a content activity. It’s just to give new content. All this is kind of creating something that excites and inspires our customers.
Skift: You seem to me very good at picking up bargains when you buy companies. Lastminute.com was a bargain. WAYN was a bargain. I don’t know how much Jetcost cost, but maybe it was a good deal?
Cannavale: No, Jetcost was expensive. I mean, it depends how they look because for Jetcost we paid a lot in shares. So again, it depends also which is the price for shares because the IPO was very expensive. Today it’s very cheap. Even if we’re trading, we are an entrepreneurial company where 40 percent is still owned by the founders, so it is our own money. Me and my partner.
Skift: What’s the decision behind the listing? Was that just to get more funding?
Cannavale: We had some small shareholders. There was, I think, a very good opportunity to fund the company, to have a secondary exit for some people.
Skift: And the acquisitions?
Cannavale: When we can, we try to buy at a bargain, I agree. Sometimes we make mistakes, like for example last year we wanted to buy Unister. That also was a bargain. It was a very funny story because we offered 20 million euros ($22 million) in September. This company declined an offer of 600 million euros ($672 million) two years ago. One year and a half ago we were very close to buying it for 100 million euros ($112 million). In September, we brought forward this offer of 20 million euros ($22 million). The administrator, he said: ‘No, you have to give me 30 million euros ($34 million).’
We said 30 million euros ($34 million) is too much because it was not very clear how it was going, and then we offered in the end after two months 70 million euros ($78 million), but another company bought it for 75 million euros ($84 million). At the end we are looking at everything. We have a very structural M&A activity. For example, we paid a lot for Rumbo because we paid 80 million euros ($90 million). In the end, it depends. I think we have a good team, we have a very structured team. This year we did an acquisition in Italy for Gartour. That really is not yet an acquisition because it’s renting the company in order to buy. Now there are plenty of companies for sale, plenty of opportunities. We have more than 70 million euros ($78 million) of cash.
Skift: What kind of acquisitions would you look at? Would it be metasearch or an online travel agency?
Cannavale: We are doing a very small acquisition in metasearch. As I said, Germany is a target for us. We lost last year; now there are other good opportunities. Then additional product. We think we have the audience, we have to give to them the right products. Flash sales is something that we are very interested in. This year we were unlucky because we lost two acquisitions. One I think I will regret. The other is VeryChic. I think was too expensive, but VeryChic was a good company. It does flash sales in France, Spain. [Editor’s note: AccorHotels bought VeryChic for an undisclosed figure.]
Skift: Let’s talk about the big competitors and huge companies you’re competing against — Priceline, Expedia I guess. How can you compete with them?
Cannavale: Booking.com is not a competitor, we have a very good partnership with Rentalcars, that is a Priceline company. We have a good partnership with Kayak as a source of traffic. So I see all the Priceline Group more like a partner than like a competitor.
Expedia it’s true, that is a competitor. I mean, if you look at the business we do together with Expedia it is flights and packages.  In western Europe it’s true that they’re bigger, but they’re not so much bigger than us and we think maybe in dynamic packages we even have a better solution. In dynamic packages, we are probably one of the largest, maybe after Expedia the second largest in Europe with a good solution. Because we have a lot of local competitors like Promovacances in France, which is the largest. We have On the Beach in the UK, we have Unister in Germany, we are the biggest in Italy. At the end, I think we’re the only one present in all these countries and I think there is a good of economy of scale. Then in flights there are two competitors that are very good, that is eDreams and eTraveli.
Skift: Both eDreams and yourselves have both come up against Ryanair in legal proceedings. They see things very differently than you. You offer flights with them and maybe the return flight is with Easyjet. Is that what the travelers prefer?
Cannavale:  I mean, for the traveler, it depends.
The starting point should be someone that gives everything. It could be Google, could be metasearch, could be whichever, but at the end you have to compare.
0 notes